Louisville, KY · Charter 62369
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Louisville, KY · Charter 62369
Q4 2002
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | 2.68% | 0.07% | 3.25% | 0.20% | 5.88% | 5.37% | 0.05% | -320 bps | |
| Return on Equity | n/a | n/a | 0.30% | 14.29% | 0.96% | 26.08% | 22.80% | 0.21% | -1,408 bps | |
| Net Interest Margin | 3.97% | 8.10% | 4.29% | 8.87% | 4.77% | 8.37% | 7.85% | 5.15% | -372 bps | |
| Efficiency Ratio | 95.87% | 66.96% | 98.36% | 63.38% | 95.85% | 29.65% | 31.62% | 99.08% | +3,570 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.74% | -8.56% | -5.77% | -8.08% | -5.95% | 1.14% | -4.55% | -5.45% | +263 bps | |
| Loan Growth (YoY) | -12.73% | -26.81% | 9.21% | 41.31% | 63.89% | 98.74% | 18.15% | -9.93% | -5,124 bps | |
| Share Growth (YoY) | -6.16% | -10.45% | -6.49% | -10.68% | -7.46% | 0.93% | -4.37% | -8.47% | +220 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.85% | 9.48% | 0.32% | 0.00% | 0.00% | 0.00% | 0.00% | 4.89% | +489 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.85% | 2.40% | 1.54% | 1.25% | 1.13% | 1.21% | 1.31% | 1.39% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 23.61% | 22.74% | 20.60% | 22.56% | 23.53% | 22.60% | -14 bps | |
| Net Worth / Assets | n/a | n/a | 23.61% | 22.74% | 20.60% | 22.56% | 23.53% | 22.60% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.41% | 50.94% | 77.13% | 98.25% | 106.99% | 100.31% | 95.30% | 96.69% | -157 bps | |
| Liquid Assets / Assets | 19.41% | 33.15% | 40.22% | 23.22% | 18.52% | 21.53% | 26.21% | 26.86% | +365 bps | |